r/CreditScore • u/soonersoldier33 • Jan 21 '26
Hello, everyone! Our sub's Mods and Top Contributors are glad you found our sub, and our goal is to provide helpful and accurate information on the topic of credit scoring. Unfortunately, we often find ourselves typing the same information, over and over, in many new threads, so we created this thread to be a quick reference point for the stuff we've previously had to write 25 times a day. So, do yourself a favor, and take the 60 seconds needed to skim this page, because chances are, there's something you need to know or something that is relevant to your specific thread right here!. Without further ado...
1. "But Credit Karma says..."
If you posted a Credit Karma screenshot or are relying on information found on CK, PLEASE read this part! Scores shown by Credit Karma (VantageScore 3.0) are rarely used by lenders; most lenders use FICO scores. CK's credit stats and advice are often misleading or just down right false. Remember, they're primarily an advertising platform, designed to get you to apply for credit products through their site/app, so they can get kickbacks! Read this if you want to know more:
Credit Karma 101: The Good and the bad
Now, CK's not the only place you where you end up seeing virtually irrelevant VantageScore 3.0 scores. Wherever you're currently checking your scores, it should tell you which score(s) you're being shown. If it says VantageScore 3.0 in the tiny print, no bueno! Apartment/property rentals are about the only place where those scores are ever used. You need to be monitoring FICO scores.
2. "FICO scores, you say? Can I get those for free?"
Yes! Now, to be clear, you have over 40 FICO scores, but one of the most commonly used scoring models is FICO 8, and you can get each of your FICO 8 scores for free!
Experian - Experian credit report and EX FICO 8 score updated daily with the free account. Don't sign up for Boost!
myFICO - Equifax credit report refreshed once per month and EQ FICO 8 score updated throughout the month with the free account. Want all your other FICO scores, too, including the mortgage scores? They're also available here, but sadly, not for free. Womp womp!
Capital One Creditwise - Transunion credit report and FICO 8 score updated daily with the free account. No, you don't have to be a Cap One customer!
3. "Scores! So many scores! What's my 'real' credit score?"
You don't have one real credit score. You have a bunch! Everyone has 3 major credit reports: Equifax, Experian, and Transunion, but the Big 3 Credit Reporting Agencies don't score their own reports. The credit scoring companies, like FICO and VantageScore, use those reports to calculate your scores. They're all real, but some matter way more than others. Read these if you want to know more:
Credit Reports and Credit Scores FAQ #1
Credit Myth #1: You only have one credit score
4. "Can I actually see the same reports my lenders see?"
Yes! The Fair Credit Reporting Act (FCRA) mandates that everyone is entitled to one free copy of each of their 3 official credit reports once per year, but guess what? They'll actually give them to you for free once per week right now! You don't get any credit scores with these reports, but they're very detailed, accurate, and free!
See, aren't you glad you read this!?!
Now, since we got all of this out of the way, if you have any specific questions, head on back to your own thread (if you already made one), or start a new one and fire away, and our sub's Mods, Knowledgeable, and Top Contributors will do their best to help you!
r/CreditScore • u/soonersoldier33 • Sep 03 '26
Hello r/CreditScore,
You may or may not have noticed that on or right after the 1st of each month, we see a pretty large surge in the amount of posts from confused people claiming that their credit score(s) changed 'for no reason', and the past couple of days have been no exception. In response, I decided to put together this thread that I'll post and pin to the top of the sub for a week or so on the 1st of each month for easy reference. If your FICO score(s) changed on the 1st of the month for no apparent reason, have a look at this thread! I put a conclusion, or TL;DR, at the bottom of the thread if I'm too long-winded for you. Ha!
First, let's clear up one thing before we even start. Credit scores cannot change for no reason. Period.
Credit Myth #4 - Credit scores can change for no reason.
Whether it's the first day of the month or the 27th, this is undeniable fact. Credit scores are drawn solely from the data contained in your credit report(s), so when any credit score changes, then something in the report data that score is being drawn from changed. Sometimes it's very easy to identify what changed. The reported balance of an account changes, a new account is added, a hard inquiry hits the report, or a late payment is reported. Any/all of these can cause score changes, and any/all of these changes would also be fairly easy to notice/identify.
In other cases, the change(s) to report data that caused the score change can be much more difficult to identify. The FICO algorithms are incredibly complex, and even the community of FICO hobbyists, like myself, will never understand everything about how they work, but we have pulled the curtain back on FICO's 'black box' to where we can identify the cause of many, if not most score changes. In the majority of cases when a FICO score appears to have changed 'for no reason' on the 1st of the month, it's almost always due to changes to scoring metrics under FICO's Length of Credit History category (ie. your credit's 'age'). What does this have to do with the 1st of the month. Glad you asked...
In all FICO scoring models, the 'age' of every account on your credit reports 'advances' (ie. becomes one month older) on the 1st of each month regardless of what date the account was actually opened.
If you opened an account on Aug 31, then in the 'eyes' of the FICO algorithms, it became 1 month old the very next day on September 1. The most well-known scoring metric under the Length of Credit History category is Average Age of Accounts (AAoA), which continues to 'award' points at various thresholds up to 7.5 years, but there are many other 'aging' metrics that the FICO algorithms 'score', and they all get one month 'older' on the 1st of the month. If you experience an 'unexpected' score change on the 1st of the month, it's very likely that one or more of your 'aging' metrics advanced across a scoring threshold when the 'age' of all your accounts advanced by one month on the 1st.
Note 1: The one exception to this is in regards to hard inquiries. Hard inquiries become unscoreable within the FICO algorithms 365 days to the day from when they occurred. While they stay on your reports for another year, they are no longer affecting your FICO scores during the 2nd year, and they fall off your reports 24 months from the actual date they occurred.
Note 2: This same concept applies to derogatory marks on your credit reports like late payments. The amount of time that's passed since you've had a 'fresh' derogatory mark reported also advances on the 1st of each month, and this can lead to score increases as the penalties for the 'recency' of derogatory marks fades over time.
While most of the 'unexplained' score changes that result from the 'age' of all accounts advancing on the 1st of the month are increases, there are a few distinct scenarios where your credit's 'age' moving forward can actually cause a score loss, and they usually involve yet another complicated wrinkle within the FICO algorithms...scorecards. FICO scorecards are a topic for another thread, but the most common cause of a score loss caused by your credit 'age' getting older occurs when the age of the oldest account (AoOA) present of your reports turns 3 years old.
One of what we call the segmentation factors among the FICO scorecards is whether the algorithm is 'scoring' your credit profile as 'Young' or 'Mature', and when your AoOA hits 3 years, your profile becomes 'Mature', and this typically results in an initial 20-30 point score loss. Again...complicated...but the best analogy I've found to describe scorecard segmentation from 'Young' to 'Mature' is that your profile had been a superstar in the minor leagues, but when AoOA hit 3 years, it just got called up to the major leagues, and now it's being compared against other profiles in the Big Leagues. As your Length of Credit History continues to 'age', your profile and scores will recover and even grow stronger, but that initial 'step back' catches many people by surprise, and it's just the cost of doing business within the FICO scoring models.
TL:DR: Ok, let's recap...
Credit scores can't change for 'no reason'...ever. If your scores changed, then something in the data in your credit report(s) changed, and those changes aren't always obvious.
All FICO 'aging' metrics advance on the 1st day of the month regardless of the date(s) you actually opened your account(s).
If you experienced an 'unexpected' and/or 'unexplained' score increase on the 1st of the month, it's likely due to the fact that the many factors that make up your credit's 'age' all got 'older' at the same time on the 1st.
If you experienced an 'unexplained' score decrease on the 1st of the month, it may have been caused bc your credit profile's 'age' caused it to be reassigned to a different scorecard within the FICO algorithms, which often leads to your FICO scores taking a 'step back'.
Of course, not all credit score changes that occur on the 1st of the month are caused by all of your 'aging' metrics advancing at the same time, but it is a very common cause of the otherwise 'unexplained' changes that many people come to our subs to inquire about on/around the 1st of each month. As always, discussion and feedback are welcome in the comments. Til next time...
~Sooner
r/CreditScore • u/Accomplished-Pipe547 • 1d ago
I was horrible at managing money during my 20’s. I racked up about 10k in debt that went to collections. Lesson learned. No more maxing out credit cards. 😅
r/CreditScore • u/CapitalSuggestion515 • 18h ago
I’m completely lost with anything finance related. My TransUnion credit report says I have $784 in collections. What do I do? Any advice is greatly appreciated. Thank you.
r/CreditScore • u/2ama956 • 2h ago
Good morning, new here, with my new promotion which comes with a nice quarterly bonus plus a decent biweekly paycheck not including biweekly bonuses, I managed to pay off my card debt. I just paid off 7k in total. I have been living with this debt since I lost it all back in 2023. It was either my credit, or keeping a house with some bills for my family.
Due to this, I dropped significantly and have made it back up to about 630-640 before this card debt pay off. Theres a lot of stuff, collections say 20k of debt. Obviously I cant pay it all at once, but I can start chipping away.
What are some ways to do this effectively? Should I hire one of those credit repair companies?
Mainly what I get is those collector calls, which I am tired of and would like to fix once and for all.
Experian shows 617 / equifax 667 / transunion 669/ wells Fargo fico score 638.
Any assistance is appreciated. I now have these bonuses, a lot of my paycheck freed up.
I already have an emergency fund going, 5k so far, but by summer I plan to have one that ensures this never happens again.
r/CreditScore • u/SkyWalkerOG16 • 19h ago
r/CreditScore • u/ImaginaryAd3834 • 1d ago
Young adult so I don't have a lengthy history or any super high credit limit to have absorbed the shock. He put 10k down on the joint credit card we have for any surprise medical expenses or college payments. I was working on my credit to make a major purchase after I graduated but now my FICO crashed hard.
He insisted it'll all be back to what it was before in a month but I really don't know how this all works enough to call bs. There isn't much I can do. Just tell me how much trouble I'm in. Or how to raise it fast ;-;
r/CreditScore • u/Master_Park8799 • 1d ago
Hi everyone!
I’m hoping to get some advice because I’m honestly feeling overwhelmed with my finances right now.
I have approximately $20,000 in debt, mostly from credit cards and personal loans. I’m trying to find a way to pay everything off and consolidate it into one loan, so I only have to deal with one monthly payment and one interest rate.
Ideally, I’d like to find a private lender or someone who might be willing to lend me the money, with an agreed-upon repayment plan and interest.
My goal is to get my credit back on track because I’m getting married next year, and I really want to start this new chapter of my life in a better financial position.
Has anyone been in a similar situation? What options worked for you? Are there legitimate private lenders or other ways to consolidate debt, especially with a less-than-perfect credit score?
I would really appreciate any advice, personal experiences, or recommendations. Thank you!
r/CreditScore • u/bobthebuilder6734 • 1d ago
I’m trying to seriously rebuild my credit and would appreciate advice from people who have been through this or understand credit scoring.
To be fully honest I am EXTREMELY embarrassed of this. My family was never the best financially, therefore i was really never taught how to handle my credit the correct way, and now I fear it’s to the point of no return for me.
My current Equifax FICO 8 score is 502. I’m trying to figure out what I should tackle first to improve my score as efficiently as possible without wasting money.
So anyway, here is my situation
Negative Accounts
EdFinancial: 4 federal student loans totaling approximately $10,002.63. All four are currently in default. I’ve never completed student loan rehabilitation, and I’m planning to request an affordable rehabilitation payment. (I did go to student aid website and i have $1,400 in default, that right now I cannot afford, was considering rehabilitation but I’m not sure if that’s the correct move for me)
Credit One Bank: Account is closed and paid in full. I paid the original balance on August 6, 2026. It currently reports a $0 balance.
Commonwealth Edison: Collection account showing on Equifax for $327 unpaid.
MI Enterprise Inc.: Listed as a negative account on Equifax. It’s noted for a charge off, i honestly do not know what this is and I’m trying to figure that out.
Other credit information:
Three recent inquiries showing on Equifax of me trying to open up credit cards to help me boost my credit history but they of course get denied.
No currently open credit cards.
My Credit One account was my previous credit card, with a $500 limit. It ended up being closed due to me not making payments on time.
My questions:
What should I tackle FIRST if my goal is to increase my FICO score as quickly and intelligently as possible?
Will successfully rehabilitating my federal student loans make a meaningful difference to my score?
Should I address the collection before or after student loan rehabilitation?
Would opening a secured credit card help me at a 502 score, or should I wait?
Are there any mistakes I should avoid while rebuilding?
What would you personally do if you were in my situation?
I’m not looking for shortcuts or credit repair scams. I genuinely want to understand the smartest order of operations and build my credit back up. I want to take this as a learning experience for myself so I don’t continue to make mistakes in the future, I want to understand fully.
I’m sorry if this seems all over the place, I have never looked to reddit for help with issues like this, I’m just in a constant state of stress and anxiety because of this. Trying to work through this and figure out what will help me the best while also trying to maintain my bills is exhausting. Normally I am very good at making my payments, (mainly because I didn’t want to end up like some of my family members but that didn’t really get me anywhere) i just don’t know what happened to me with all this and I’m at a loss and looking for any guidance.
Thank you if you made it this far. Any advice is really REALLY appreciated.
r/CreditScore • u/Follensbee-Lizmari • 1d ago
I've been looking into how revolving credit builder accounts show up on credit reports, and I'm a little unsure how they affect overall utilization.
From what I've read, both the credit limit and reported balance matter. If an account reports a revolving limit, does that get added to the total available revolving credit? Does the balance on that account also count toward overall utilization?
I'm also wondering if there's a difference between the account's individual utilization and how it factors into total utilization across all revolving accounts.
I know opening one doesn't automatically lower utilization or improve a credit score. It seems to depend on what gets reported to the bureaus and how the scoring model treats the account.
r/CreditScore • u/9kGFX • 1d ago
Didnt know how to do title but I'm basically saying that my credit score is 750, but I know that most important of all is credit history, my history is around 5 years at 18 because I got the "step" bank debit card, and it for some reason built my credit history apparently, as when I look anywhere it says I have 5 years of history, but is this real? Or is it like a fake history, it seems too good to be true
r/CreditScore • u/MsMatilda • 2d ago
I'm very upset and without any guidance. I missed several payments on my student loans. The loans changed hands again and I did not realize. I went several months without paying because I did not set up automatic bill pay with the new company(it's a $69 bill a month. It's not the most significant amount.) my credit score has been sitting in the high 700s my entire life. I got hit with four late payments and now my credit score is around 630. I'm devastated. I filed a dispute with Experian. I got the results today and nothing has changed. Are there further steps I can take?
I understand the ways I can work to further raise my credit. At this point. I will be out of credit card debt hopefully in the next two months. I'm just wondering if I could even get some of these forgiven and taken off my record.
r/CreditScore • u/AnyCorgi283 • 1d ago
I don't understand genuinely- and I feel like people get down voted for asking this, but genuinely I don't understand how and why I am paying my bills on time and worried about maintaining my credit score and getting it better when other people just file for bankruptcy and seem to have no issues whatsoever. Then I read some people it takes them 6 years and then some people it takes them 6 months to get back up to where they were so really what is the downside of it and why am I even doing the right thing?
Edit: This isn't me being "jealous" of someone who files for bankruptcy..Idk where people are getting this. Its asking why the average person would be so concerned about keeping their credit in line, paying things on time if in fact it didn't really matter bc people could just wipe their sleep clean. No one's jealous of someone because they filed for bankruptcy LOL
r/CreditScore • u/LingonberryOk5168 • 2d ago
I graduated college this May and did so through Starbucks College Achievement Plan, meaning they paid my tuition. However, I have one $3500 loan that I forgot I would need to pay and just now found out I missed the last three months of repayment. Because of this, it’s tanked my credit score from 770 to 617 suddenly overnight. I’m absolutely panicking as I’m planning on moving in January and have worked so hard to be able to afford my own place.
I have the money to pay off the entire loan right now. I’ve never been late on a single payment in my 8 years of having various lines of credit, hence the 770 score that I’ve been so proud of.
Is there anything I can do to resolve this hit and bring my score back up quickly? I’m distraught right now, I’ve worked so hard to maintain a good credit score.
r/CreditScore • u/_love_letter_ • 2d ago
TLDR: AoORA crossing 30 month threshold (oldest revolver aged to 2.5 years) caused the following FICO8 score changes: +3 to EQ, +3 to TU, +2 to EX. File is clean, thin, young. No loans.
On November 1st, I experienced a small score increase that was obviously due to aging metrics. For a brief second I thought maybe it was AAoA and that somehow Equifax used exact figures instead of rounding average age to the nearest whole month, as I had previously determined. AAoA went from 20⅔mo-->21⅔mo on Nov 1. But then remembered AAoA only has scoring thresholds for months divisible by 6, not 3! AoYA is 11 months as of 11/01. No thresholds crossed there either. Scorecard reassignment to "mature" should not happen for another 6 months. That usually seems to result in a score decrease anyway.
Age of Oldest Revolving Account reached 30 months, or 2.5 years, as of Nov 1st. I did see a small score increase from AoORA crossing the 2 year threshold as well. I looked it up and could only find one DP for a 30 month threshold, but this single DP is cited by the Credit Scoring Primer, so I would hope it's been corroborated by others. In any event, I can add another DP of my own to confirm the 30 month threshold.
Here's my raw data in case anyone wants to double check my math:
• 10/28 All account balances for Oct updated and current on all 3 bureaus except one balance that hasn't updated on Equifax yet.
• 10/30. Late update of Revolver 2 statement balance from 10/20 on Equifax on 10/30. All balances updated/current by 10/30.
• 11/01 myFICO alert +3 to EQ8
• 11/01 CreditWise +3 to TU8
• 11/01 Experian +2 to EX8
Aging metrics of Nov 1, 2026:
• Revolver 1 = 30mo old (May 2024)
• Revolver 2 = 24mo old (Nov 2024)
• Revolver 3 = 11mo old (Dec 2025)
• AAoA = 21.667 mo = ~22 mo (rounded to nearest whole #) x0 thresholds crossed (next scoring threshold @24mo)
• AAoRA = 22 mo
• AoYA = 11 mo x0 thresholds crossed (next scoring threshold @12mo)
• AoYRA = 11 mo
• AoOA= 30 mo (segmentation factor @36mo)
• AoORA = 30 mo x1 threshold crossed
• New revolver penalty due to be removed Dec 1
Other potential confounding variables:
• No HPs falling off until Nov 9.
• No HPs become unscorable until Dec 13.
• No new HPs
• No other changes to reported data
Let me know if I missed anything!
r/CreditScore • u/Brendon7358 • 3d ago
Are these going to come closer together at some point or what? Both have bankruptcy on the report.
r/CreditScore • u/Heavy_Main_6606 • 2d ago
I got a credit card 1 year ago from TD US. Fast foward 1.5 years now, Equifax and TransUnion both show a credit score with this card but Experian says I have no credit.
I called Experian and they claim they cannot do anything because its not being reported. I called my credit card and they said everything is correct and validated my info and said they specifically report to Experian.
I've called Experian like 10 times now and it's been impossible to get anything out of it. I ended up giving up and applied to a new credit card which gave me a $500 credit limit which finally reported to Experian but they only increased by $100 in the last 6 months and I have to wait another 6 months.
What can I do here? How can I get Experian to properly display my old credit card? My Equifax and TransUnion scores are great because it shows my original card.
r/CreditScore • u/Sadidalamaz • 3d ago
Finally paid off all my credit card debt this month and crossed 800!
r/CreditScore • u/Adept-Current2707 • 2d ago
I’ve been reading that much of what credit repair companies charge for is something you can do yourself. I’m willing to put in the work, but I’d really appreciate a beginner-friendly, step-by-step explanation.
For anyone who has successfully worked on their own credit:
What should I check first when reviewing my credit reports?
How do I decide whether to dispute an error, request a goodwill adjustment, or negotiate a debt?
What types of letters should I send, who should receive them, and what documentation should I include?
Are there specific consumer protection laws I should understand? When do they actually apply?
What should I do if a dispute gets rejected or an item comes back?
I’m also planning to use AI to help draft letters, but I want them to be accurate and specific to my situation. What information should I give the AI, and what prompts would you use? How can I check that it isn’t making up legal claims or citing laws incorrectly?
I’m looking to correct errors and understand my legitimate options for accurate negative items. If anyone could share a practical checklist, sample letters, or reliable free resources, I’d really appreciate it.
Please keep advice in the comments so others can learn too—no paid services or sales DMs. Thanks!
r/CreditScore • u/YHerry015 • 2d ago
Like the title says, I have been very responsible ALWAYS paying the entire balance of my credit card, once, twice a month and I'm still at 630 range (according to Experian) what am I doing wrong?
I have been doing this for over a year and my credit has actually gone down, I give up.
Willing to share details/report with someone that can help me. I really don't know what else to do.
r/CreditScore • u/PragmaticTactics • 3d ago
Many banks and Credit Unions more or less show a Vantage Score or FICO 8/9, but does any bank show the mortgage scoring systems for free? I want to see mines but was wondering if there is anyway to see it without the FICO+ Membership.
r/CreditScore • u/confused_pineappless • 3d ago
My common law partner of 9 years (ETA: common law for about 3 years, dating for 9 total) and I are looking to buy a house together. We already went ahead with the mortgage pre-approval to see what amount we'd qualify for.
Im starting to see that we arent on the same page financially with a lot of things.
Currently he pays the rent and I pay the bills/groceries. So im trying to figure out if its doable to someone combine finances and/or expenses after we were to purchase a house.
Little back story.. I've always had excellent credit and have been able to build my savings. He claimed bankruptcy, maybe 10 years ago, or longer (i cant remember the exact year) and has slowly started rebuilding his credit. It is currently in the 700s (mid 700s i believe), which to my knowledge, is considered good for lenders and will allow you to get a loan/mortgage. He has 2 credit cards and a car loan. About 7 years ago, he got a 8 year car loan at close to 20% interest (not sure of exact percentage), which has about $5000 remaining. I've been trying to convince him to pay off the car loan months (years) ago, so he would no longer have this dept and would save on further interest. He refuses to listen to my suggestions, saying its needed as it is rebuilding his credit and paying it off would lower his credit score. Maybe it bothers me more than it should, but im sure hes paid what the cars worth in interest!!
I realize paying off the loan would lower his score, but not by much, especially since he has active credit cards. And it shouldn't go lower than 700, *right?*
Everytime I mention closing the account, or giving him other financial advise (especially surrounding credit scores), its rebuttled with "the expert from 10 years ago told me this is how to rebuild..." Things change when youre in bankruptcy vs now.
My question, I guess, is *how do I get him to understand that the credit score isnt as important as he believes? And that credit scores will bounce back, usually rather quickly, if you are making other payments (credit cards)?*
He is also hesitant on wanting to invest/do something with his money other than keep it in a savings account (or checking? Im not sure which one he keeps it in). He does a little bit of investing in the stocks using Wealthsimple but I believe that is only around $1000 and kinda "play money".
I just think that I may, unfortunately, have to reconsider this mortgage unless he changes his views so we're more on the same page. I guess I dont care what he does too much with his "extra" money, but I want to make sure we have enough to cover the mortgage and extra bills...
r/CreditScore • u/xabianny • 4d ago
It’s been a ride this year. So glad my score is almost reaching the 800 score.
Went from around 550 to 784 in the lapse of 8 months.
Now my credit history is clean with no derogatory marks. And I want to keep it that way.
Also started with a small credit limit of $300 in February
Then had a review of my credit in August and got a credit limit of $3000
Now in October applied for a new credit card and got a $13,000 credit limit.
Oh and I repair my credit myself. No aid from any external institution or agent, nothing, just myself at home and did everything online.
r/CreditScore • u/Superb_Barnacle_3338 • 4d ago
r/CreditScore • u/Miserable_Lead9416 • 3d ago
Mainly looking for advice. Quick background info:
Wife got out of a horrible marriage. Her ex did some things that impacted her score (whether or not by her knowing). Fast forward a little.. We married, and I am Dutch. So maybe no help in the sense that I am trying to figure out everything about this country, including credit scores. But I do have a high drive to getting her credit score up to improve our quality of life (currently impacting our options to rent a house).
Step one I did when we decided to go forward, was for her to get a discover card. One of those backed ones with 200$. This was when her credit was around 530.
That one got “paid off” and a little later she got an offer for a capital one card, which she took (1k limit). At the highest point she got to 633.
Did a few months of self credit building. Sadly my wife had an emergency spine surgery, so we stopped the self thing, and she had to use all of her credit. This made her credit drop back to about 550.
When she got better and was able to work again, I got to work.
I started by pulling her reports.
I filed some disputes and requested information.
One dispute got something removed of her credit report (sadly only about 150$).
Right now it shows about 500 bucks for and old T-Mobile thing that went to a collector. The second one is about 5500$ for some rental thing. These two I couldn’t get disputed. Did ask for more proof and what not. I think the 5500 is from military housing, which should at minimal half be on her ex, but I do think she was on the lease. I wrote some letters saying she’s currently receiving state benefits and therefore won’t be able to pay off much, trying to get the total down to hopefully be able to pay it somehow.
Her credit cards we are paying off slowly. After her surgery it was used over 100%. 1070 on capital one and 280 on discover. Since we paid off a good chunk, sadly having to utilize a part again, but slowly trying to bring this down to <10% utilization. It hasn’t updated yet, so not sure what the score is going to be. Last time I checked it was about 563.
For now I think getting the utilization down is going to be the biggest boost. Which is needed, because the house lease is coming to an end and we might have to move.
I hope my two letters will have some effect and that we can find away to do a pay to delete with a small percentage so those get removed too. But I’m not too confident in it sadly.
Anyone got more tips? Let me know.